{"id":35714,"date":"2018-11-18T17:26:37","date_gmt":"2018-11-18T15:26:37","guid":{"rendered":"http:\/\/www.etoro.com\/?page_id=35714"},"modified":"2026-04-01T02:00:15","modified_gmt":"2026-03-31T23:00:15","slug":"state-disclosures","status":"publish","type":"page","link":"https:\/\/www.etoro.com\/en-us\/customer-service\/state-disclosures\/","title":{"rendered":"Licenses &#038; Disclosures"},"content":{"rendered":"<p>eToro offers cryptocurrency trading to United States customers through two entities, both<br \/>registered as Money Services Businesses (MSB) with the Financial Crimes Enforcement<br \/>Network (FinCEN):<\/p>\n<ul class=\"wp-block-list wp-block-list wp-block-list-circle\">\n<li>eToro USA LLC: FinCEN Registration #31000318247697 | NMLS ID #1769299<\/li>\n<li>eToro NY LLC: FinCEN Registration #31000318247696 | NMLS ID #1900938<\/li>\n<\/ul>\n<p>eToro USA LLC holds licenses in the jurisdictions indicated below. eToro NY LLC is licensed by<br \/>the New York Department of Financial Services as a Money Transmitter and holds a Virtual<br \/>Currency License (BitLicense).<\/p>\n<p>For detailed information regarding state-specific licenses, please visit the official <a href=\"https:\/\/www.nmlsconsumeraccess.org\/\" rel=\"nofollow noopener noreferrer\" >NMLS<br \/>Consumer Access Website.<\/a><\/p>\n<table class=\"e-table__styled scroll-table thead-highlighted content-nowrap\" style=\"width: 1072px;\">\n<thead>\n<tr>\n<th style=\"width: 122px;\">State<\/th>\n<th style=\"width: 250px;\">License<\/th>\n<th style=\"width: 300px;\">Licensing Authority<\/th>\n<th style=\"width: 400px;\">Disclosure<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 122px;\">Alabama<\/td>\n<td style=\"width: 250px;\">Money Transmission License (754)<\/td>\n<td style=\"width: 300px;\">Alabama Securities Commission<br \/>RSA Dexter Avenue Building<br \/>445 Dexter Avenue, Suite 12000<br \/>Montgomery, AL 36104<br \/>Telephone: 1-800-222-1253<br \/>Email: asc@asc.alabama.gov<br \/>Website: www.asc.alabama.gov<\/td>\n<td style=\"width: 400px;\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Alaska<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (AK-MT-011361)<\/td>\n<td style=\"width: 300px;\">State of Alaska<\/p>\n<p>Division of Banking &amp; Securities<\/p>\n<\/td>\n<td style=\"width: 400px;\"><b>For Alaska Residents Only:<\/b><\/p>\n<p>If your issue is unresolved by eToro USA LLC (1-888-271-8365), please submit formal complaints with the State of Alaska, Division of Banking &amp; Securities.<\/p>\n<p>Formal complaints must be in writing, please download the form here:\u00a0<a href=\"https:\/\/www.commerce.alaska.gov\/web\/portals\/3\/pub\/DBSGeneralComplaintFormupdated.pdf\" rel=\"nofollow noopener noreferrer\" >ComplaintForm<\/a><\/p>\n<p>Formal complaint forms may be submitted via:<\/p>\n<ol>\n<li>Fax:\u00a0 907-465-1230<\/li>\n<li>Email:\u00a0 msb_licensing@alaska.gov<\/li>\n<li>Mail:\u00a0 Division of Banking &amp; Securities PO Box 110807 Juneau, AK\u00a0 99811-0807<\/li>\n<\/ol>\n<p>If you have questions regarding formal complaints, please call 907-465-2521.<\/p>\n<p>Please note that this license does not cover the transmission of virtual currency.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Arizona<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (1037715)<\/td>\n<td style=\"width: 300px;\">Arizona Department of Insurance and Financial Institutions<br \/>100 N. 15th Avenue, Suite 261<br \/>Phoenix, AZ 85007<\/td>\n<td style=\"width: 400px;\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Arkansas<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (116264)<\/td>\n<td style=\"width: 300px;\">Arkansas Securities Department Heritage West Bldg., Suite 300 201 East Markham Street Little Rock, Arkansas 72201-1692 Telephone: 1-800-981-4429 Email: info@securities.arkansas.gov Website: www.securities.arkansas.gov<\/td>\n<td style=\"width: 400px;\">If you have a complaint, please contact eToro USA LLC at 1-888-271-8365 or <a href=\"https:\/\/www.etoro.com\/en-us\/customer-service\/\">https:\/\/etoro.com\/en-us\/customer-service<\/a>.<\/p>\n<p>If you still have an unresolved complaint regarding eToro USA LLC\u2019s money transmission activity, you may file a complaint by emailing a completed <a href=\"https:\/\/securities.arkansas.gov\/file-a-complaint-2\/\" rel=\"nofollow noopener noreferrer\"  rel=\"nofollow noopener noreferrer\" >complaint form<\/a> to ASDInfo@securities.arkansas.gov, or by mailing at:<\/p>\n<p>1 Commerce Way, Suite 402<br \/>Little Rock, Arkansas 72202<br \/>Telephone: (501) 324-9260<br \/>Facsimile: (501) 324-9268<\/p>\n<p>For additional information please refer to the <a href=\"https:\/\/securities.arkansas.gov\/file-a-complaint-2\/\" rel=\"nofollow noopener noreferrer\"  rel=\"nofollow noopener noreferrer\" >How To File A Complaint<\/a> page for the Arkansas Securities Department.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Connecticut<\/td>\n<td style=\"width: 250px;\">Money Transmission License (MT-1769299)<\/td>\n<td style=\"width: 300px;\">Department of Banking<br \/>Consumer Credit Division<br \/>260 Constitution Plaza<br \/>Hartford, CT 06103-1800<br \/>Telephone: 1-800-831-7225 Email: banking.complaints@ct.gov<br \/>Website: www.ct.gov\/dob<\/td>\n<td style=\"width: 400px;\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Delaware<\/td>\n<td style=\"width: 250px;\">Check Seller, Money Transmitter License (034700)<\/td>\n<td style=\"width: 300px;\">Office of the State Bank Commissioner<br \/>555 East Loockerman Street, Suite 21EAST Dover, DE 19901<br \/>Telephone: (302) 739-4235<br \/>Website: <a href=\"https:\/\/banking.delaware.gov\/apply-for-a-license\/sale-of-checks\/\" target=\"_blank\" rel=\"noopener\">https:\/\/banking.delaware.gov\/apply-for-a-license\/sale-of-checks\/<\/a><\/td>\n<td style=\"width: 400px;\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">District of Columbia<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (MTR1769299)<\/td>\n<td style=\"width: 300px;\">District of Columbia<br \/>Securities &amp; Banking, Banking Bureau<br \/>1050 First Street, NE, 801<br \/>Washington, D.C. 20002<br \/>Telephone: (202)727-8000<br \/>Email: disbcomplaints@dc.gov<br \/>Website: https:\/\/disb.dc.gov\/page\/banking-bureau<\/td>\n<td style=\"width: 400px;\">If you have a complaint, please contact eToro USA LLC at 1-888-271-8365 or <a href=\"https:\/\/www.etoro.com\/en-us\/customer-service\/\">https:\/\/etoro.com\/en-us\/customer-service\/<\/a>.<br \/>If you still have an unresolved complaint regarding eToro USA LLC\u2019s money transmission activity, you may file it by contacting the Department at:<br \/>District of Columbia Department of Insurance, Securities and Banking<br \/>1050 First St., NE, Suite 801<br \/>Washington, DC 20002<br \/>Phone: (202) 727-8000<br \/>Fax: (202) 354-1085<br \/>E-mail: disbcomplaints@dc.gov<a href=\"https:\/\/disb.dc.gov\/sites\/default\/files\/dc\/sites\/disb\/publication\/attachments\/DISB%20Consumer%20Complaints_final%20fillable.pdf\" target=\"_blank\" rel=\"noopener\">Consumer Complaint Form Mail-in Version<\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Florida<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (FT230000255)<\/td>\n<td style=\"width: 300px;\">Office of Financial Regulation<br \/>200 E. Gaines St.<br \/>Tallahassee, FL 32399<br \/>Telephone: 1-850-487-9687<br \/>Website: www.flofr.com<\/td>\n<td style=\"width: 400px;\">NOTICE: By the Florida Office of Financial Regulation<\/p>\n<p>By granting eToro USA LLC a license, the Florida Office Of Financial Regulation is not endorsing the use of digital or virtual currencies.<\/p>\n<p>* U.S. currency is legal tender backed by the U.S. government.<br \/>* Digital and virtual currencies are not issued or backed by the U.S. government, or related in any way to U.S. currency, and have fewer regulatory protections.<br \/>* The value of digital and virtual currencies is derived from supply and demand in the global marketplace which can rise or fall independently of any fiat (government) currency.<br \/>* Holding digital and virtual currencies carries exchange rate and other types of risk.<\/p>\n<p>Potential users of digital or virtual currencies, including but not limited to Bitcoin, should be forewarned of a possible financial loss at the time that such currencies are exchanged for fiat currency due to an unfavorable exchange rate. A favorable exchange rate at the time of exchange can result in a tax liability. Please consult your tax advisor regarding any tax consequences associated with your holding or use of digital or virtual currencies.<\/p>\n<p>If you have a question or complaint, please contact eToro\u2019s Customer Service Center at <a href=\"https:\/\/www.etoro.com\/en-us\/customer-service\/\">https:\/\/etoro.com\/en-us\/customer-service\/<\/a>, by telephone at 1-888-271-8365, or visit our website at <a href=\"https:\/\/www.etoro.com\/en-us\/\">https:\/\/etoro.com\/en-us\/<\/a>.<\/p>\n<p>Florida residents may contact the Florida Office of Financial Regulation with any unresolved questions or complaints about eToro USA LLC at 200 E. Gaines Street, Tallahassee, FL 32399-0376, telephone number: (800) 848-3792 (toll free).<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Georgia<\/td>\n<td style=\"width: 250px;\">Seller of Payment Instruments License (64040)<\/td>\n<td style=\"width: 300px;\">Department of Banking and Finance 2990 Brandywine Road, Suite 200 Atlanta, Georgia 30341 Telephone: 1-888-986-1633 Website: http:\/\/www.dbf.georgia.gov<\/td>\n<td style=\"width: 400px;\">If you have a complaint, please contact eToro USA LLC at 1-888-271-8365 or <a href=\"https:\/\/www.etoro.com\/en-us\/customer-service\/\">https:\/\/etoro.com\/en-us\/customer-service<\/a>.<\/p>\n<p>If you still have an unresolved complaint regarding eToro USA LLC\u2019s money transmission activity, you may contact the Georgia Department of Banking and Finance &#8211; Consumer Resources at (770) 986-1633.<\/p>\n<p>For more information, please refer to https:\/\/consumer.georgia.gov\/resolve-your-dispute\/how-do-i-file-complaint. To file a complaint with the Consumer Financial Protection Bureau, an agency of the federal government, you may securely do so at <a href=\"http:\/\/www.consumerfinance.gov\/complaint\/\">http:\/\/www.consumerfinance.gov\/complaint\/<\/a> or by telephone at (855) 411-2372.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Idaho<\/td>\n<td style=\"width: 250px;\">Money Transmitters License (MTL-237)<\/td>\n<td style=\"width: 300px;\">Idaho Department of Finance<br \/>11341 W. Chinden Blvd. Suite A300 Boise, ID 83714<br \/>Phone: 1-888-346-3378<br \/>E-Mail: securities@finance.idaho.gov Website: http:\/\/www.finance.idaho.gov<\/td>\n<td style=\"width: 400px;\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Illinois<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (MT.0000380)<\/td>\n<td style=\"width: 300px;\">Illinois Department of Financial and Professional Regulation<br \/>320 West Washington Street<br \/>Springfield, IL 62786<br \/>Telephone: (888) 473-4858 (toll-free)<br \/>Website: https:\/\/www.idfpr.com\/<\/td>\n<td style=\"width: 400px;\">Illinois residents may contact the Illinois Department of Financial Institutions, Consumer Credit Section, with any unresolved questions or complaints about eToro USA LLC at (888) 473-4858 (toll-free).<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Iowa<\/td>\n<td style=\"width: 250px;\">Money Services License (2018-0141)<\/td>\n<td style=\"width: 300px;\">Iowa Division of Banking 200 E. Grand Avenue, Suite 300 Des Moines, Iowa 50309 Telephone: 1-515-281-4014 Email: idobcomplaints@idob.state.ia.us Website: http:\/\/www.idob.state.ia.us<\/td>\n<td style=\"width: 400px;\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Kansas<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (MT.0000239)<\/td>\n<td style=\"width: 300px;\">Kansas Office of the State Bank Commissioner<br \/>700 SW Jackson St., Suite 300<br \/>Topeka, KS 66603<br \/>Telephone: (785) 380-3939<br \/>Website: <a href=\"http:\/\/www.osbckansas.org\">http:\/\/www.osbckansas.org<\/a><\/td>\n<td style=\"width: 400px;\">If you have a complaint, please contact eToro USA LLC at 1-888-271-8365 or <a href=\"https:\/\/www.etoro.com\/en-us\/customer-service\/\">https:\/\/etoro.com\/en-us\/customer-service<\/a>.<\/p>\n<p>If you still have an unresolved question or complaint regarding eToro USA LLC\u2019s money transmission activity, you may file it by contacting the Office of the State Bank Commissioner. If submitting electronically, you may submit your complaint here: <a href=\"https:\/\/www.osbckansas.org\/consumers\/file-a-complaint\/\" rel=\"nofollow noopener noreferrer\" >https:\/\/www.osbckansas.org\/consumers\/file-a-complaint\/<\/a><\/p>\n<p>You may also mail or fax the completed consumer assistance form and attachments to: Kansas Office of the State Bank Commissioner Attn: Consumer Affairs 700 SW Jackson St, Suite 300 Topeka, KS 66603 Fax: (785) 371-1229 Email: <a href=\"mailto:complaints@osbckansas.org\">complaints@osbckansas.org<\/a><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Kentucky<\/td>\n<td style=\"width: 250px;\">Money TransmitterLicense (SC819229)<\/td>\n<td style=\"width: 300px;\">Department of Financial Institutions Non-DepositoryDivision1025 Capital Center Drive, Suite 200 Frankfort, KY 40601Telephone: (800) 223-2579Email:<a href=\"mailto:kfi@ky.gov\"> kfi@ky.gov<\/a><br \/>Website: <a href=\"https:\/\/kfi.ky.gov\/\" rel=\"nofollow noopener noreferrer\" >https:\/\/kfi.ky.gov\/<\/a><\/td>\n<td style=\"width: 400px;\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Louisiana<\/td>\n<td style=\"width: 250px;\">Sale of Checks and Money Transmitters<br \/>(NMLS #1769299)Virtual Currency Business Activity License (1769299)<\/td>\n<td style=\"width: 300px;\">Louisiana Office of Financial Institutions<br \/>8660 United Plaza Blvd, 2nd Floor<br \/>Baton Rouge, LA 70809<br \/>Telephone: (225) 925-3828<br \/>Email: <a href=\"mailto:complaints@ofi.la.gov\">complaints@ofi.la.gov<\/a><br \/>Website: <a href=\"http:\/\/www.ofi.state.la.us\/\">http:\/\/www.ofi.state.la.us\/<\/a><\/td>\n<td style=\"width: 400px;\">If you have a complaint, please contact eToro USA LLC at 1-888-271-8365 or <a href=\"https:\/\/www.etoro.com\/en-us\/customer-service\/\">https:\/\/etoro<\/a><a href=\"https:\/\/www.etoro.com\/en-us\/customer-service\/\">.com\/en-us\/customer-service<\/a>.<\/p>\n<p>If you still have an unresolved question or complaint regarding eToro USA LLC\u2019s money transmission activity, you may file it by contacting the Office of Financial Institutions. All complaints must be submitted in writing. To file a complaint, please complete the complaint form and send to OFI (<a href=\"http:\/\/www.ofi.state.la.us\/\">http:\/\/www.ofi.state.la.us\/<\/a>) by mail, email, or fax.<\/p>\n<p>Please see disclosures associated with virtual currency below.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Maryland<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (1769299)<\/td>\n<td style=\"width: 300px;\">Maryland Commissioner of Financial Regulation<br \/>100 S. Charles Street, Tower 1, Suite 5300<br \/>Baltimore, Maryland 21201<br \/>Telephone: 1-888-784-0136<br \/>Email:\u00a0<a href=\"mailto:CSU.Complaints@maryland.gov\">CSU.Complaints@maryland.gov<\/a><br \/>Website: <a href=\"https:\/\/labor.maryland.gov\/finance\/\" rel=\"nofollow noopener noreferrer\" >https:\/\/labor.maryland.gov\/finance\/<\/a><\/td>\n<td style=\"width: 400px;\">See disclosure below<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Michigan<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (MT0024795)<\/td>\n<td style=\"width: 300px;\">Department of Insurance and Financial Services<br \/>530 W. Allegan Street, 7th Floor<br \/>Lansing, MI 48933<br \/>Telephone: (877) 999-6442<br \/>Email: <a href=\"mailto:DIFSComplaints@michigan.gov\">DIFSComplaints@michigan.gov<\/a><br \/>Website: <a href=\"http:\/\/www.michigan.gov\/difs\">http:\/\/www.michigan.gov\/difs<\/a><\/td>\n<td style=\"width: 400px;\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Minnesota<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (MN-MT-1769299)<\/td>\n<td style=\"width: 300px;\">Department of Commerce<br \/>Financial Institutions Division<br \/>85 7th Place East Suite 500<br \/>St. Paul, MN 55101<br \/>Telephone: 1-800-657-3602<br \/>Email: <a href=\"mailto:consumer.protection@state.mn.us\">consumer.protection@state.mn.us<\/a><br \/>Website: <a href=\"http:\/\/mn.gov\/commerce\">http:\/\/mn.gov\/commerce<\/a><\/td>\n<td style=\"width: 400px;\">If you have a complaint, please contact eToro USA LLC at 1-888-271-8365 or <a href=\"https:\/\/www.etoro.com\/en-us\/customer-service\/\"><span style=\"font-weight: 400;\">Customer Service Center<\/span><\/a>.\u00a0If you still have an unresolved complaint regarding eToro USA LLC\u2019s money transmission activity, you may file it by contacting the Minnesota Department of Commerce. To make a complaint, please make a call contacting the following: Minnesota Department of Commerce 85 8th Place East, Suite 208 Saint Paul, MN 55101 (Local) 651-539-1500 (Complaints) 651-539-1600.<br \/>Please note the following disclosures associated with virtual currency: Virtual currency is not legal tender in the United States, is not backed by the United States government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Mississippi<\/td>\n<td style=\"width: 250px;\">Money Transmitter License<\/td>\n<td style=\"width: 300px;\">Department of Banking and Consumer Finance<br \/>P.O. Box 12129<br \/>Jackson, Mississippi 39236-2129<br \/>Telephone: 1-800-844-2499 Email: Customer.Assistance@occ.treas.gov<br \/>Website: <a href=\"http:\/\/www.dbcf.state.ms.us\">http:\/\/www.dbcf.state.ms.us<\/a><\/td>\n<td style=\"width: 400px;\">The Mississippi Department of Banking &amp; Consumer Finance recommends that you attempt to resolve your complaint with the financial institution first by contacting eToro USA, LLC at 1-888-271-8365 or eToro\u2019s <a href=\"https:\/\/www.etoro.com\/en-us\/customer-service\/\">Customer Service Center<\/a> to allow the opportunity to resolve the issue(s). If you still have an unresolved complaint regarding eToro USA, LLC\u2019s money transmission activity, you may file your complaint online at <a href=\"https:\/\/dbcf.ms.gov\/complaint-form\/\" rel=\"nofollow noopener noreferrer\"  rel=\"nofollow noopener noreferrer\" >https:\/\/dbcf.ms.gov\/complaint-form\/<\/a><\/p>\n<p>MS e-Licensing Portal for filing a complaint:<\/p>\n<p>MS Banking &amp; Consumer Finance complaint page: <a href=\"https:\/\/dbcf.ms.gov\/complaint-form\/\" rel=\"nofollow noopener noreferrer\"  rel=\"nofollow noopener noreferrer\" >https:\/\/dbcf.ms.gov\/complaint-form\/<\/a><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Nebraska<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (NMLS #1769299)<\/td>\n<td style=\"width: 300px;\">Nebraska Department of Banking &amp; Finance<br \/>1526 K Street, Suite 300<br \/>Lincoln, NE 68508-2732<br \/>Telephone: (402) 471-2171 or (877) 471-3445<br \/>Website: <a href=\"https:\/\/ndbf.nebraska.gov\/\" rel=\"nofollow noopener noreferrer\" >https:\/\/ndbf.nebraska.gov\/<\/a><\/td>\n<td style=\"width: 400px;\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">New Hampshire<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (24248-MT)<\/td>\n<td style=\"width: 300px;\">Banking Department Consumer Credit Division<br \/>53 Regional Drive, Suite 200<br \/>Concord, NH 03301<br \/>Telephone: (603) 271-3561<br \/>Website: <a href=\"https:\/\/www.nh.gov\/banking\/index.htm\" rel=\"nofollow noopener noreferrer\" >https:\/\/www.nh.gov\/banking\/index.htm<\/a><\/td>\n<td style=\"width: 400px;\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">New York<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (MT #104940)<br \/>Virtual Currency License (VC #122584)<\/td>\n<td style=\"width: 300px;\">New York State Department of Financial Services<br \/>1 State Street<br \/>New York, NY 10004-1511<br \/>Telephone: (800) 342-3736<br \/>Email:\u00a0<a href=\"mailto:consumers@dfs.ny.gov\">consumers@dfs.ny.gov<\/a><br \/>Website:\u00a0<a href=\"http:\/\/www.dfs.ny.gov\/\">www.dfs.ny.gov\/<\/a><\/td>\n<td style=\"width: 400px;\">See disclosure below<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">New Mexico<\/td>\n<td style=\"width: 250px;\">Money Transmitter License<\/td>\n<td style=\"width: 300px;\">New Mexico Regulation &amp; Licensing Department<br \/>Financial Institutions Division<br \/>Toney Anaya Bldg., 2550 Cerrillos Road<br \/>Santa Fe, NM 87505<\/td>\n<td style=\"width: 400px;\">If your issue is unresolved by eToro USA LLC (1-888-271-8365), please submit formal complaints with the New Mexico Regulation &amp; Licensing Department, Financial Institutions Division.<br \/>Formal complaints may be submitted via:<br \/>1. Website: www.rld.state.nm.us\/financialinstitutions<br \/>2. Phone: 505-476-4885<br \/>3. Mail:<br \/>New Mexico Regulation &amp; Licensing Department<br \/>Financial Institutions Division<br \/>Toney Anaya Bldg., 2550 Cerrillos Road<br \/>Santa Fe, NM 87505<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">North Carolina<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (182621)<\/td>\n<td style=\"width: 300px;\">North Carolina Commissioner of Banks<br \/>4309 Mail Service Center<br \/>Raleigh, NC 27699-4309<br \/>Telephone: 919-733-3016<br \/>Website: http:\/\/www.nccob.gov<\/td>\n<td style=\"width: 400px;\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">North Dakota<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (MT103394)<\/td>\n<td style=\"width: 300px;\">Department of Financial Institutions<br \/>2000 Schafer Street, Suite G<br \/>Bismarck, ND 58501-1204<br \/>Telephone: 1-701-328-9933<br \/>Email: dfi@nd.gov<br \/>Website: http:\/\/www.nd.gov\/dfi<\/td>\n<td style=\"width: 400px;\">The North Dakota Department of Financial Institutions recommends that you attempt to resolve your complaint with the financial institution first by contacting eToro USA, LLC at 1-888-271-8365 or eToro\u2019s <a href=\"https:\/\/www.etoro.com\/en-us\/customer-service\/\">Customer Service Center<\/a> to allow the opportunity to resolve the issue(s). If you have an unresolved question or complaint regarding the money transmission services provided by eToro USA LLC, you may contact the North Dakota Department of Financial Institutions at (701) 328-9933.<\/p>\n<p>Please see disclosures associated with virtual currency below.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Ohio<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (OHMT153)<\/td>\n<td style=\"width: 300px;\">Department of Commerce Division of Financial Institutions 77 South High Street, 21st Floor Columbus, Ohio 43215-6120 Telephone: 1-866-278-0003 Email: web.dfi@com.ohio.gov Website: http:\/\/www.com.ohio.gov\/fiin<\/td>\n<td style=\"width: 400px;\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Oklahoma<\/td>\n<td style=\"width: 250px;\">Money Transmission License (NMLS #1769299)<\/td>\n<td style=\"width: 300px;\">Oklahoma State Banking Department<br \/>2900 North Lincoln Boulevard<br \/>Oklahoma City, OK 73105<br \/>Telephone: (405) 521-2782<br \/>Fax: (405) 522-2993<br \/>Website: www.banking.ok.gov<\/td>\n<td style=\"width: 400px;\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Oregon<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (30223)<\/td>\n<td style=\"width: 300px;\">Department of Consumer and Business Services<br \/>Division of Finance and Corporate Securities<br \/>P.O. Box 14480, 350 Winter St. NE, Suite 410<br \/>Salem, Oregon 97309-0405<br \/>Telephone: 1-866-814-9710<br \/>Email: dcbs.dfcsmail@state.or.us<br \/>Website: http:\/\/dfcs.oregon.gov<\/td>\n<td style=\"width: 400px;\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Rhode Island<\/td>\n<td style=\"width: 250px;\">Rhode Island<\/td>\n<td style=\"width: 300px;\">Department of Business Regulation<br \/>Division of Banking<br \/>1511 Pontiac Avenue, Bldg. 68-1<br \/>Cranston, Rhode Island 02920<br \/>Telephone: (401) 462-9503<br \/>Email: <a href=\"mailto:DBR.BankInquiry@dbr.ri.gov\">DBR.BankInquiry@dbr.ri.gov<\/a><br \/>Website: <a href=\"http:\/\/www.dbr.ri.gov\/divisions\/banking\/\">http:\/\/www.dbr.ri.gov\/divisions\/banking\/<\/a><\/td>\n<td style=\"width: 400px;\">See disclosure below<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">South Carolina<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (NMLS #1769299)<\/td>\n<td style=\"width: 300px;\">South Carolina Office of the Attorney General Money Services Division<br \/>1000 Assembly Street, Room 519<br \/>Columbia, S.C. 29201<br \/>Telephone: (803) 734-4200<br \/>Email:\u00a0<a href=\"mailto:scdca@scconsumer.gov\">scdca@scconsumer.gov<\/a><br \/>Website:\u00a0<a href=\"https:\/\/www.scag.gov\/\" rel=\"nofollow noopener noreferrer\" >https:\/\/www.scag.gov\/<\/a>Complaint form: <a href=\"https:\/\/tinyurl.com\/SCMSB\" rel=\"nofollow noopener noreferrer\" >https:\/\/tinyurl.com\/SCMSB<\/a><\/td>\n<td style=\"width: 400px;\">If you have a complaint, please contact eToro USA LLC at 1-888-271-8365 or <a href=\"https:\/\/www.etoro.com\/en-us\/customer-service\/\">Customer Service Center<\/a>. If you still have an unresolved complaint regarding eToro USA LLC\u2019s money transmission activity, please direct your complaint to the South Carolina Office of the Attorney General, Money Services Division.<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">South Dakota<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (MT.2159)<\/td>\n<td style=\"width: 300px;\">South Dakota Department of Labor Regulation Division of Banking 217 W Missouri Ave Pierre, SD 57501 Telephone: 1-605-773-3421 Email: banking@state.sd.us Website: http:\/\/dlr.sd.gov\/banking<\/td>\n<td style=\"width: 400px;\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Tennessee<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (NMLS #1769299)<\/td>\n<td style=\"width: 300px;\">Tennessee Department of Financial Institutions<br \/>Tennessee Tower 26th Floor<br \/>\u200b312 Rosa L. Parks Avenue<br \/>Nashville, TN 37243<br \/>Telephone: (800) 778-4215<br \/>Email: tdfi.consumerresources@tn.gov<br \/>Website: https:\/\/www.tn.gov\/tdfi\/mortgage-consumer-lending\/money-transmitter.html<\/td>\n<td style=\"width: 400px;\">Please note that this license and the required surety<br \/>bond do not cover the transmission of virtual currency.<br \/>eToro is licensed by the Tennessee Department of<br \/>Financial Institutions as a money transmitter. The<br \/>Tennessee Department of Financial Institutions does<br \/>not regulate virtual currency. However, any company<br \/>that offers to exchange, administer, or maintain virtual<br \/>currencies for sovereign currency may be subject to<br \/>state regulation and licensing as well as federal<br \/>regulation.<br \/>If you have a complaint, please contact eToro USA LLC<br \/>at 1-888-271-8365 or <a href=\"https:\/\/www.etoro.com\/en-us\/customer-service\/\">Customer Service Center<\/a>. If you<br \/>still have an unresolved complaint regarding eToro USA<br \/>LLC\u2019s money transmission activity, you may contact the<br \/>Tennessee Department of Financial Institutions at 1-800-778-4215 or please direct your complaint to:<a href=\"https:\/\/www.tn.gov\/tdfi\/tdfi-how-do-i\/file-a-complaint.html\" rel=\"nofollow noopener noreferrer\" >https:\/\/www.tn.gov\/tdfi\/tdfi-how-do-i\/file-a-complaint.html<\/a>.<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Texas<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (3181)<\/td>\n<td style=\"width: 300px;\">Department of Banking<br \/>2601 N. Lamar Blvd<br \/>Austin, Texas 78705<br \/>Telephone: 1-877-276-5554<br \/>Email: consumer.complaints@dob.texas.gov<br \/>Website: http:\/\/www.dob.texas.gov\/<\/td>\n<td style=\"width: 400px;\">If you have a complaint, first contact the eToro USA LLC <a href=\"https:\/\/www.etoro.com\/en-us\/customer-service\/\">Customer Service Center<\/a><span style=\"font-weight: 400;\">, by telephone at 1-888-271-8365, or visit our website at <a href=\"https:\/\/www.etoro.com\/en-us\/\">https:\/\/www.etoro.com\/en-us\/<\/a>. If you still have an unresolved complaint regarding the Company\u2019s money transmission or virtual currency activity, please direct your complaint to: Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705, 1-877-276-5554 (toll free), www.dob.texas.gov.<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Vermont<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (100-126)<\/td>\n<td style=\"width: 300px;\">Department of Financial Regulation Banking Division 89 Main Street Montpelier, VT 05620-3101 Telephone: 1-888-568-4547 Email: dfr.bnkconsumer@state.vt.us Website: http:\/\/www.dfr.vermont.gov<\/td>\n<td style=\"width: 400px;\">If you have a complaint, first contact the eToro USA<br \/>LLC Customer Service Center, by telephone at 1-888-<br \/>271-8365, or visit our website at<br \/><a href=\"https:\/\/www.etoro.com\/en-us\/\">https:\/\/www.etoro.com\/en-us\/<\/a>. If you still have<br \/>an unresolved complaint regarding the Company\u2019s<br \/>money transmission or virtual currency activity, please<br \/>contact the State of Vermont Department of Financial<br \/>Regulation using the Vermont Consumer Complaint<br \/>Form:<a href=\"https:\/\/dfr.vermont.gov\/form\/banking-consumer-complaint-form\" rel=\"nofollow noopener noreferrer\" >https:\/\/dfr.vermont.gov\/form\/banking-consumer-complaint-form<\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Virginia<\/td>\n<td style=\"width: 250px;\">Money Order Seller and Money Transmitter License (MO-479)<\/td>\n<td style=\"width: 300px;\">Bureau of Financial Institutions, State Corporation Commission<br \/>1300 East Main Street, 8th Floor<br \/>Richmond, Virginia 23218-0640<br \/>Telephone: 1-800-552-7945 (Toll-Free)<br \/>Email: bfiquestions@scc.virginia.gov<br \/>Website: https:\/\/www.scc.virginia.gov\/pages\/Bureau-of-Financial-Institutions<\/td>\n<td style=\"width: 400px;\">eToro USA LLC is licensed by the Virginia State Corporation Commission as a money transmitter, but such license does not cover the transmission of virtual currency (Bitcoin).<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Washington<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (550-MT-115893)<\/td>\n<td style=\"width: 300px;\">Department of Financial Institutions Division of Consumer Services P.O. Box 41200 Olympia, Washington 98504-1200 Telephone: 1-877-746-4334 Website: http:\/\/www.dfi.wa.gov\/<\/td>\n<td style=\"width: 400px;\">You, the customer, are entitled to a refund of all monies received for transmittal within ten (10) business days of receipt of a written request for refund unless any of the following occurs: (i) The monies have been transmitted and delivered to the recipient prior to receipt of the written request for a refund; (ii) Instructions have been given committing an equivalent amount of money to the person designated by the customer prior to the receipt of a written request for a refund; (iii) eToro has reason to believe that a crime has occurred, is occurring, or may potentially occur as a result of transmitting money as requested by the customer or refunding the money as requested by the customer; or (iv) eToro is otherwise barred by law from making a refund.<br \/>Fraudulent transactions may result in the loss of your money with no recourse. In addition, please note the following disclosures associated with transactions with virtual currency: \u2022A schedule of all fees and charges can be found here: <a href=\"https:\/\/www.etoro.com\/en-us\/customer-service\/market-hours-fees\/\">https:\/\/www.etoro.com\/en-us\/customer-service\/market-hours-fees\/<\/a>. All fees and charges are disclosed prior to completing your transaction, and the fees and charges are assessed at the time of the transaction. \u2022Virtual currency is not legal tender, is not backed by the government, and accounts and value balances are not insured against theft or loss by the Federal Deposit Insurance Corporation or the Securities Investor Protection Corporation. \u2022Transactions in virtual currency are irrevocable, and, accordingly, losses due to fraudulent or accidental transactions may not be recoverable. Additionally, the nature of virtual currency may lead to an increased risk of fraud or cyber attack, and the value of your virtual currency stored with eToro may be irretrievably stolen. \u2022eToro is not liable for unauthorized, mistaken, or accidental transfers. If you mistakenly or accidentally transfer virtual currency, or if an unauthorized transfer occurs or you believe your account has been compromised, you must notify eToro immediately. If you have a complaint about this service, please contact eToro at <a href=\"https:\/\/www.etoro.com\/en-us\/customer-service\/\">https:\/\/www.etoro.com\/en-us\/customer-service\/<\/a> or, for any unresolved consumer complaints, please contact the Washington State Department of Financial Institutions, Division of Consumer Services using one of the following methods: 1. File a complaint online, mail or fax: http:\/\/www.dfi.wa.gov\/cs\/cscomplaintform.htm 2. Call: 1-877-RING DFI (1-877-746-4334) 3. Email: CSEnforceComplaints@dfi.wa.gov<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">West Virginia<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (WVMT-1769299)<\/td>\n<td style=\"width: 300px;\">Division of Banking<br \/>1 Players Club Drive, Suite 300<br \/>Charleston, West Virginia 25311-1638<br \/>Telephone: 1-304-558-2294<br \/>Website: http:\/\/www.dfi.wv.gov<\/td>\n<td style=\"width: 400px;\">\u00a0<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 122px;\">Wyoming<\/td>\n<td style=\"width: 250px;\">Money Transmitter License (7331)<\/td>\n<td style=\"width: 300px;\">Wyoming Division of Banking<br \/>Uniform Consumer Credit Code<br \/>Hathaway Building, 2nd Floor<br \/>2300 Capitol Avenue<br \/>Cheyenne, WY 82002<br \/>Telephone: (307) 777-7797<br \/>Email: wyomingdivisionofbanking@wyo.gov<br \/><a href=\"http:\/\/wyomingbankingdivision.wyo.gov\/home\" target=\"_blank\" rel=\"noopener\">Website<\/a><\/td>\n<td style=\"height: 101px; width: 400px;\">If you have a complaint, please contact eToro USA LLC at 1-888-271-8365 or <span style=\"font-weight: 400;\">the <\/span><a href=\"https:\/\/www.etoro.com\/en-us\/customer-service\/\"><span style=\"font-weight: 400;\">Customer Service Center<\/span><\/a>.<br \/>If you still have an unresolved complaint regarding eToro USA LLC\u2019s money transmission activity, you may file a written complaint with the Wyoming Department of Banking.<br \/>You may print out a copy of the complaint form or contact the Division of Banking and a form will be mailed to you. After completing the form, please mail it to:Wyoming Division of Banking<br \/>Uniform Consumer Credit Code<br \/>Hathaway Building, 2nd Floor<br \/>2300 Capitol Avenue<br \/>Cheyenne, WY 82002<br \/>Telephone number: (307) 777-7797<a href=\"https:\/\/drive.google.com\/file\/d\/1YYIP6WQoP9KHPYOv3ALpJIQA7NexVhlj\/view\" target=\"_blank\" rel=\"noopener\">Consumer Complaint Form Mail-in Version<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<table class=\"e-table__styled scroll-table thead-highlighted content-nowrap\">\n<thead><\/thead>\n<tbody>\n<tr>\n<td style=\"width: 122px;\">Pennsylvania<\/td>\n<td style=\"width: 250px;\">Money Transmitter License 118708<\/td>\n<td style=\"width: 300px;\">Department of Banking and Securities<br \/>Consumer Services Office<br \/>Market Square Plaza<br \/>17 N. 2nd Street, Suite 1300<br \/>Harrisburg, PA 17101<br \/>Phone: 1-800-722-2657<br \/>Website: <a href=\"http:\/\/www.dobs.pa.gov\">www.dobs.pa.gov<\/a><\/td>\n<td style=\"height: 101px; width: 400px;\">\n<p style=\"text-align: left;\">If you have a complaint, please contact<br \/>eToro USA LLC at 1-888-271-8365 or<br \/><a href=\"https:\/\/etoro.com\/en-us\/customer-service.\" rel=\"nofollow noopener noreferrer\" >https:\/\/etoro.com\/en-us\/customer-service.<\/a><br \/>If you still have an unresolved complaint or<br \/>questions regarding eToro USA LLC&#8217;s<br \/>money transmission activity, you may contact<br \/>the Department of Banking using the<br \/>Consumer Assistance Form here:<\/p>\n<p style=\"text-align: left;\"><a href=\"https:\/\/portal.ct.gov\/dob\/consumer\/consumer-\" rel=\"nofollow noopener noreferrer\" >https:\/\/portal.ct.gov\/dob\/consumer\/consumer-<\/a><br \/><a href=\"https:\/\/portal.ct.gov\/dob\/consumer\/consumer- complaints\/money-transmitter\" rel=\"nofollow noopener noreferrer\" >complaints\/money-transmitter<\/a><\/p>\n<p style=\"text-align: left;\">Telephone Direct: 860-240-8170<br \/>Toll-free: 1-800-831-7225, press option 2<br \/>Foreclosure Assistance Hotline: 1-877-472-8313<br \/>By Email: <a href=\"mailto:banking.complaints@ct.gov\">banking.complaints@ct.gov<\/a><br \/>Determine if you need to file a complaint with<br \/>the Department of Banking and\/or the<br \/>Consumer Financial Protection Bureau<br \/>(CFPB). In addition to the DOB, the CFPB<br \/>supervises the large money transmitter<br \/>companies (for example, Western Union,<br \/>MoneyGram, and PayPal).<br \/>Your receipt may instruct you to contact the<br \/>CFPB if you have a complaint. You may also<br \/>submit your complaint with the CFPB online<br \/>or by calling the CFBP at (855) 411-2372.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><strong>FOR MARYLAND RESIDENTS ONLY<\/strong><\/h3>\n<p>eToro USA LLC is licensed as a money transmitter by the Commissioner of Financial Regulation for the State of Maryland (NMLS #:1769299). Verification of the licensing status of eToro USA LLC may be obtained here. The Maryland Commissioner of Financial Regulation will accept all questions or complaints from Maryland residents regarding eToro USA LLC (NMLS #:1769299) at <span style=\"font-weight: 400;\">100 S. Charles Street, Tower 1, Suite 5300, Baltimore, Maryland 21201<\/span>, Toll-Free Number 1-888-784-0136.<\/p>\n<h3><strong>FOR NEW YORK RESIDENTS ONLY<\/strong><\/h3>\n<p>eToro NY LLC is licensed and regulated as a Money Transmitter and conducts business involving virtual currency by the New York Department of Financial Services. If you have a complaint, please first contact eToro NY LLC at (888) 271-8365 or <a href=\"https:\/\/www.etoro.com\/en-us\/customer-service\/\">Customer Service Center<\/a>.<\/p>\n<p>After first contacting eToro, if you still have an unresolved complaint regarding the company&#8217;s regulated activity, please direct your complaint to: <a href=\"http:\/\/www.dfs.ny.gov\/consumer\/fileacomplaint.htm\">New York Department of Financial Service<\/a><\/p>\n<p>Consumer Assistance Unit NYS<\/p>\n<p>Department of Financial Services<\/p>\n<p>One Commerce Plaza Albany, NY 12257<\/p>\n<p>Toll-Free Number: 1-877-226-5697<\/p>\n<p>Please note the following disclosures associated with virtual currency:<\/p>\n<ol>\n<li>Virtual currency is not legal tender, is not backed by the government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections;<\/li>\n<li>Legislative and regulatory changes or actions at the state, federal, or international level may adversely affect the use, transfer, exchange, and value of virtual currency;<\/li>\n<li>Transactions in virtual currency may be irreversible, and, accordingly, losses due to fraudulent or accidental transactions may not be recoverable;<\/li>\n<li>Some virtual currency transactions shall be deemed to be made when recorded on a public ledger, which is not necessarily the date or time that the customer initiates the transaction;<\/li>\n<li>The value of virtual currency may be derived from the continued willingness of market participants to exchange fiat currency for virtual currency, which may result in the potential for permanent and total loss of value of a particular virtual currency should the market for that virtual currency disappear;<\/li>\n<li>There is no assurance that a person who accepts a virtual currency as payment today will continue to do so in the future;<\/li>\n<li>The volatility and unpredictability of the price of virtual currency relative to fiat currency may result in significant loss over a short period of time;<\/li>\n<li>The nature of virtual currency may lead to an increased risk of fraud or cyber attack;<\/li>\n<li>The nature of virtual currency means that any technological difficulties experienced by eToro may prevent the access or use of a customer&#8217;s virtual currency; and<\/li>\n<li>Any bond or trust account maintained by eToro for the benefit of its customers may not be sufficient to cover all losses incurred by customers.<\/li>\n<\/ol>\n<p>Additionally, the following further disclosures are applicable to eToro\u2019s virtual currency customers:<\/p>\n<ol>\n<li>You may be liable for unauthorized virtual currency transactions occurring on your eToro Account. For more information regarding the circumstances under which you may be liable for unauthorized virtual currency transactions, please see Section 24 of the eToro Account Agreement.<\/li>\n<li>eToro does not currently support preauthorized virtual currency transfers.<\/li>\n<li>eToro may, from time to time, disclose information concerning your eToro Account to third parties. For more information regarding how eToro collects, uses, stores, shares and protects your information, please see the eToro Privacy Policy.<\/li>\n<li>eToro will not provide periodic account statements to you. However, your transaction history is always available on eToro. It is important for you to understand that it is your sole responsibility to review your transaction history and any notices. You also understand that for the purposes of review and acknowledgment, you agree to be deemed to have reviewed your transaction history and all notices on at least a monthly basis. Your transaction history contains all of your trading activity, including pending transactions, deposits and withdrawals, as well as your fiat currency and virtual currency balances; however, please note that nothing in your transaction history should be treated as a valuation.<\/li>\n<li>After each transaction has been placed, eToro will send you a receipt evidencing your transaction via email. Further evidence of your transactions will be available to you in your transaction history, as discussed above.<\/li>\n<li>eToro reserves the right to change these Terms at any time, with or without advance notice to you, as the case may be.<\/li>\n<\/ol>\n<h3><strong>FOR ARIZONA RESIDENTS ONLY<\/strong><\/h3>\n<p>If you have a complaint, please contact eToro USA LLC at 1-888-271-8365 or <a href=\"https:\/\/www.etoro.com\/en-us\/customer-service\/\">https:\/\/etoro.com\/en-us\/customer-service<\/a>.<\/p>\n<p>If you still have an unresolved complaint regarding eToro USA LLC\u2019s money transmission activity, you may file an Online Complaint Form as stated on the File a Complaint against a Financial Institution or Enterprise page.<\/p>\n<p>AZ e-Licensing Portal for filing a complaint:<\/p>\n<p>AZDFI Consumer Complaint Portal:<\/p>\n<p><a href=\"https:\/\/elicense.az.gov\/ARDC_FileComplaint\" rel=\"nofollow noopener noreferrer\" >https:\/\/elicense.az.gov\/ARDC_FileComplaint<\/a><\/p>\n<p>AZ Financial Institutions Division: (602) 771-2800 | Toll-free: (800) 544-0708<\/p>\n<p>eToro USA, LLC is dedicated to providing a secure cryptocurrency platform.<\/p>\n<p>We encourage you to stay vigilant and protect yourself from online scams and fraud. Never send cryptocurrency or funds to individuals you don\u2019t personally know or to accounts that can\u2019t be verified. Scammers often pose as \u201cinvestment managers,\u201d celebrities, romantic interests, or other convincing identities. They may make false promises of guaranteed returns or free money to deceive you into sending funds or crypto. Once assets are sent to such individuals, they are likely lost. Please remember, crypto transactions are irreversible\u2014once completed, funds typically cannot be recovered.<\/p>\n<p>To learn, please visit: <a href=\"https:\/\/www.etoro.com\/wp-content\/uploads\/2023\/04\/Crypto-Trading-Investing-Risk-Disclosures.pdf\">https:\/\/www.etoro.com\/wp-content\/uploads\/2023\/04\/Crypto-Trading-Investing-Risk-Disclosures.pdf<\/a><\/p>\n<h3><strong>FOR LOUISIANA RESIDENTS ONLY<\/strong><\/h3>\n<p>Please note the following disclosures associated with virtual currency:<\/p>\n<p>Virtual currency is not legal tender in the United States, is not backed by the United States government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.<\/p>\n<p>Legislative and regulatory changes or actions at the state, federal, or international level may adversely affect the value of virtual currency.<\/p>\n<p>Transactions in virtual currency may be irreversible, and accordingly, losses due to fraudulent or accidental transactions may not be recoverable.<\/p>\n<p>Some virtual currency transactions may be immediately effective when recorded on a public ledger, which is not necessarily the date or time that the customer initiates the transaction.<\/p>\n<p>The value of virtual currency may be derived from the continued willingness of market participants to exchange legal tender for virtual currency, which may result in the potential for permanent and total loss of value of a particular virtual currency if the market for the virtual currency declines or collapses for an extended period of time.<\/p>\n<p>Any surety bond required by law for the benefit of customers may not be sufficient to cover all losses incurred by customers.<\/p>\n<p>Customers should perform research before purchasing or investing in virtual currency.<\/p>\n<h3><strong>FOR NORTH DAKOTA RESIDENTS ONLY<\/strong><\/h3>\n<p>Please note the following disclosures associated with virtual currency:<\/p>\n<p>Virtual currency is not legal tender in the United States, is not backed by the United States government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.<\/p>\n<p>eToro USA, LLC charges a fee of 1% for opening (buy) or closing (sell) a crypto position. A fee is applied when you transfer your cryptoassets to your eToro Money crypto wallet. If you transfer cryptoassets from the eToro platform, a fee of 2<strong>% <\/strong>is applied. If you transfer cryptoassets from or to an external source, a blockchain fee, not charged by eToro USA, LLC, applies. This fee has a minimum\/ maximum cap, details <a href=\"https:\/\/www.etoro.com\/crypto\/coin-transfer\/\">here<\/a>. For all information about eToro Money crypto wallet fees and limits, click <a href=\"https:\/\/www.etoro.com\/crypto\/wallet\/fees\/\">here<\/a>. For LUNC transactions, eToro adds a 0.1% operational fee to the standard 1% buy\/sell fee due to Terra\u2019s 0.2% tax burn mechanism. Finally, eToro deducts a service fee from each periodic distribution of Flare tokens to cover operational, legal, and technical costs.<\/p>\n<h3><strong>FOR RHODE ISLAND RESIDENTS ONLY<\/strong><\/h3>\n<p>Please note the following disclosures associated with virtual currency:<\/p>\n<p>&#8211; Virtual currency is not legal tender in the United States, is not backed by the United States government, and accounts and value balances are<br \/>not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.<\/p>\n<p>&#8211; eToro USA, LLC charges a fee of 1% for opening (buy) or closing (sell) a crypto position. A fee is applied when you transfer your cryptoassets to<br \/>your eToro Money crypto wallet. If you transfer cryptoassets from the eToro platform, a fee of 2% is applied. If you transfer cryptoassets from or to<br \/>an external source, a blockchain fee, not charged by eToro USA, LLC, applies. This fee has a minimum\/ maximum cap, details <a href=\"https:\/\/www.etoro.com\/crypto\/coin-transfer\/\">here<\/a>. For all<br \/>information about eToro Money crypto wallet fees and limits, click <a href=\"https:\/\/www.etoro.com\/crypto\/wallet\/fees\/\">here<\/a>. For LUNC transactions, eToro adds a 0.1% operational fee to the standard<br \/>1% buy\/sell fee due to Terra\u2019s 0.2% tax burn mechanism. Finally, eToro deducts a service fee from each periodic distribution of Flare tokens to<br \/>cover operational, legal, and technical costs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>eToro offers cryptocurrency trading to United States customers through two entities, bothregistered as Money Services Businesses (MSB) with the Financial Crimes EnforcementNetwork (FinCEN): eToro USA LLC: FinCEN Registration #31000318247697 | NMLS ID #1769299 eToro NY LLC: FinCEN Registration #31000318247696 | NMLS ID #1900938 eToro USA LLC holds licenses in the jurisdictions indicated below. eToro NY&hellip;<\/p>\n","protected":false},"author":45,"featured_media":0,"parent":33167,"menu_order":892,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"sticky_cta_settings":"","footnotes":""},"asset_type":[],"class_list":["post-35714","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<title>Licenses &amp; Disclosures - 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